USED CAR FINANCING IN GRAND RAPIDS MICHIGAN

MADE SIMPLE WITH GUARANTEED CREDIT APPROVAL

 

We want to make financing your vehicle as easy as possible

Get approved for auto financing and drive away today!

Simple Approval Process
Easy Financing Terms
Large Selection of Inventory
  • Flexible short term loan options customized to fit your budget

  • No set qualification guidelines like Buy Here Pay Here (BHPH) Dealerships.

  • getacar123 will report your payments to the major credit bureaus thus rebuilding your credit.

  • A wide selection of cars you actually want to own

  • Better than a revoliving credit card as it helps your auto credit.

  • Getacar123 does not require you come to the dealership to pay your car loan.

  • Guaranteed Approval, we will find a way to get you into a car.

  • Getacar123 is part of the Ed Koehn Automotive Group.  With 3 locations we can not only get you financed but help you find the vehicle that fits your needs.

 

Whats needed for auto financing?

One of the biggest complaints consumers make about dealerships is the time spent waiting at a dealership. This generally occurs in-between selecting a car and waiting to sign paperwork on it. The process of obtaining finance and the best loan scenario can take some time depending on the vehicle year and mileage as well as the customers credit history. In our fast pace world, waiting at a dealership can be tumultuous so we have prepared a list of what to bring with you in order for us to speed up this process.

  • Proof of residency-this can include but not limited to a utility bill or phone bill. This cannot be your driver's license or pay stub as we will need that separately.

  • Most current pay stub showing year to date -if it is within the first 3 months of a new year then also bring previous years W2.

  • Drivers License Registration -if you are trading a vehicle in or transferring a plate from another vehicle onto your new purchase then bring in the registration from the vehicle it is transferring from.

  • Trade Title -if you are trading in a vehicle. 

  • Proof of insurance -bring in your most current proof of auto insurance with the company you intend to insure your new vehicle with.

  • Keys -if you have more then one set of keys to your trade bring those in. 

  • Self-Employed -bring in last 2 years tax returns showing adjusted gross income (after deductions).

  • Social Security-If part or all of your income comes from social security we will need awards letters and 3 months of most current bank statements.

 
 
What does getacar123 provide?

We specialize in selling quality used cars to people with bad credit or no credit.

Get approved with our simple auto financing and drive away today!

Most Buy here pay here programs do not help rebuild your credit because they do not report your loan payments to the credit bureaus. We do! Our program generally features a short-term loan allowing you to pay your vehicle off quicker and enabling your credit to increase by reporting timely payments to the credit bureaus. This will put you in a better equity position faster and into a newer vehicle when your credit rises and you are ready for another vehicle.

 

We also have the ability to customize terms to be more flexible and affordable to your budget. These loans aren't fixed by an array of qualifications and charts. We guarantee you finance and we can make it fit your budget all in order to put you in a better position in the future. 

Why not just pay cash?

You may be wondering why you should even apply for a car loan from a sub prime lender. After all, paying cash for a vehicle, while using a regular or secured credit card, can often improve your credit scores. The fact is doing this probably wont help your auto credit, even if it improves your FICO scores. The reasoning behind this is that any type of credit card is a form of revolving credit. With revolving credit if you don't pay off your card balance every month, you are allowed to carry over the remaining balance to the next month. An auto loan, on the other hand, is a type of installment credit. With this type of loan you sign a contract to pay back the initial amount, plus interest, for a fixed payment each month over the loan term. Another difference that separates installment credit from revolving credit is that installment loan balances are typically higher than revolving credit limits. Installment loans also carry a higher monthly payment as a percentage of the loan balance and are much less flexible to changes. This means installment buyers have to be more disciplined in paying back the loan.

 

Have a Question?

(800) 554-2530

Have a question we can help you with?  Send us a quick message and one of our professional team members will get in touch with you quickly.  We are here to help!!  Let us know what we can do to make your next vehicle purchase and financing a great experience!